I've had AAA for many many years. Reasonable rates and no problems
with claims.
__Arden
--- In
DSN_KLR650@yahoogroups.com, Douglas Bouley
wrote:
>
> I use GEICO, fwiw.
>
> Considering where I live, the rates are not only decent, they are
one of
> the few outfits who will even write motorcycle insurance here. Have
had
> to make two claims in two years (1 car, 1 bike). I have rcvd
absolutely
> stellar customer service from native English speakers (their HQ is
local
> to me). The first incident was a total loss of my car. They paid
> promptly and settled for more than I paid for the car. They base
the
> value on what it would cost to replace the vehicle, not on "book".
They
> actually did a survey of local dealers to come up with the payout
> figure. The lady I hit also said she rcvd first-class service from
them,
> including rental car, etc.
>
> The second incident was damage I did to a neighbor's car when the
side
> stand folded upon me getting of the parked bike. The bike was
stopped
> and never actually touched the car, it was my shoulder that hit the
rear
> door and made an expensive buffalo-sized dent in same. Whether this
was
> even a covered accident would be debatable with some companies.
GEICO
> handled it promptly without missing a beat. They even followed up
with
> me a few days later to be sure I hadn't discovered any aches and
pains
> that might need treatment (only my ego, sez I).
>
> Side note: the company I work for (not GEICO) does insurance of
another
> sort (not car/bike). Progressive is a competitor in our market. I
have
> heard our customers complain that Progressive is not fun to settle
with.
> Many of our customers were overwhelmed by the Katrina Season. I'm
told
> we picked up Progressive customers in the aftermath because their
claims
> people were unpleasant to deal with. This is second hand info,
though,
> and I cannot attest to the truth of it personally. Hopefully, no
one
> would have a "State Farm" experience with them.
>
> I, too, had comprehensive and collision on the bike for the first
year.
> Dropped it for second year, feeling that the value of the entire
bike no
> longer warrants the cost. However, I keep high levels of coverage
for
> uninsured drivers and for liability because medical costs can be
> stunning, especially in a relatively unprotected motorcycle crash.
Since
> 95% of my riding is in cut-throat commuter traffic, composed of a
huge
> number of un and under-insured immigrants, I figure this makes
sense.
> Also, I live in one of the those litigious areas of the country
(people
> here introduce themselves by saying "Do you know who I am?" and
every
> third one of 'em is a lawyer, I swear).
>
> I strongly feel that bare minimum coverage is "asking for it",
unless
> maybe you live in a rural area and mostly ride off-road. Everyone's
> perceived needs and tolerance of risk are different though. To me,
the
> question is not so much covering the bike as it is covering my butt
> against huge liability or medical claims. The worst a KLR rider
might be
> out (not counting farkle) is 5 grand or less for the bike. For
medical
> costs, (mine or someone else's) it could be up to millions in a
really
> bad case (think head or cord injuries with years of after-care). I
once
> had a trauma pt. (in a previous career) who was a pedestrian who
> wandered out in front of a bike. Rider survived (for a change!),
but the
> ped died expensively of major head trauma. I don't know what the
> insurance ramifications were, but since there was only one
insurance
> company involved, I can guess...
>
> doug in downtown dc
>
> J Dirk Savage wrote:
> > A little note on Progressive...
> > I like them, they seem to be reasonably priced, and I have a
policy with them (although I've never had a claim).
> > However, after getting my policy online, I got a postal letter
indicating that my rate would have been lower if my credit score
(FICO) were higher. My FICO is over 700. So I called them up to ask
them what crack they were smoking. I got the help center
in...India. I've actually spent some quality time in India...but
even I could not understand this guy's English. So I just grin and
bear it. The price is still good.
> >
> > Jeremy
> >
> >
> > ----- Original Message ----
> > From: revmaaatin
> > To:
DSN_KLR650@yahoogroups.com
> > Sent: Wednesday, January 10, 2007 12:48:02 AM
> > Subject: [DSN_KLR650] Re: Motorcycle insurance
> >
> > --- In DSN_KLR650@yahoogro ups.com, "loudicks"
wrote:
> >
> >> Haven't seen much discussion of insurance on the board before.
> >> Maybe it's too personal or boring, but I'm curious what most
> >> dualsport riders do for insurance. When I got back into riding
last
> >> year after a 15 year layoff, I just called my auto and home
insurer
> >> ( American Family) and asked for liability only coverage on my
03
> >> KLR. As I'll need to renew before next season, I'm wondering if
i
> >> should add collision or any sort of additional disability
> >> insurance. All my life I've paid cash for vehicles and only
carried
> >> the minimum of insurance on them, but now that I'm getting
> >> older and due to the inherent danger of motorcycling, I'm
> >> wondering if i should start carrying a fatter policy. Any
thoughts?
> >> I'd also be interested in any good or bad experience anyone ha
> >> s had with their insurance company. For instance, I've yet to
hear
> >> a happy story about settilimg a claim with All State. I'm
> >> wondering if I'd be better off moving my motorcycle coverage
> >> elsewhere. Thanks.
> >>
> >
> > Hello Lou,
> > Frequent poster Jeff Saline (name given for attribution, because
I
> > was not smart enough to figure this out on my own) suggested to
me
> > after buying my new-2-me KLR that you are the most dangerous/most
> > likely to crash in the first 1000 miles/first 90 days and, that
> > during that time frame, it is when you are most likely to need
> > collision insurance. Knowing that, one could purchase full
coverage
> > insurance for that period of time, or longer, and then cancel. At
> > the very least, one could buy full coverage for the first year,
then
> > reverting to liability only + comprehensive.
> >
> > I know from my own experience of the new-2-me KLR, the first 90
days
> > is when I got into the most trouble and thoroughly scared the pee-
> > wadding out of myself. One caveat, I had not been an active rider
> > from 1976-2003, which made me my own worst enemy. I wanted to
pickup
> > riding 'at speed' at the point I had sold my last bike. It nearly
> > got me killed on Christmas day, 2003, and would have been dead if
> > the 'cage' had not been paying attention to my inability as I
crossed
> > the centerline in an off-camber turn. (Not that full coverage
would
> > have mattered during a head on collision at a closure rate
exceeding
> > 110mph.) I wrote a little essay seen here "I died on Christmas
Day"
> > some time back; summary: look where you want to go, do not look
at
> > what you want to miss.
> >
> > I have followed Jeff's suggestion during the purchase of a
R100RS,
> > and have recommended it to others as well: buy full coverage
during
> > the most dangerous time/part of your learning about your new bike.
> >
> > So, how good is my current insurance? My insurance is PROGRESSIVE
> > (liability and comprehensive, road side assistance/towing) and
have
> > yet to file a claim in the past 3 years; what I do know is that
they
> > faithfully have cashed my checks, and I 'hope' that they will
have
> > one for me when it is all said and done if I call them needing
> > assistance.
> >
> > Insurance is multi-faceted: Look closely at your current health
> > insurance. Some of it will not pay, if you are involved in
a 'high-
> > risk' activity. If not, you may/will need the medical coverage as
> > well.
> >
> > revmaaatin.
> >
> >
> >
> >
> > __________________________________________________
> > Do You Yahoo!?
> > Tired of spam? Yahoo! Mail has the best spam protection around
> >
http://mail.yahoo.com
> >
> > [Non-text portions of this message have been removed]
> >
> >
> >
> > Archive Quicksearch at:
http://www.angelfire.com/ut/moab/klr650_data_search.html